What you need to know
There’s a nearly 100% chance you’ll need to seek medical care at some point in your life. A chronic health condition. An ingrown toenail. An annual physical to make sure you’re feeling good today and tomorrow. All reasons to see a doctor, and all reasons to have medical insurance coverage you can count on.
Your medical plan choices
Your medical plan options include a preferred provider plan (PPO) and a high-deductible health plan (HDHP) through UnitedHealthcare (UHC). If you live in California, Colorado, Hawai'i, Washington or the mid-Atlantic region (Virginia, Maryland or Washington, D.C.), you also have the option to enroll in a health maintenance organization (HMO) through Kaiser. Both the PPO and HDHP plans cover in-network preventive care at 100%, provide access to the same network of providers and cover both in- and out-of-network services (although you’ll pay more when you don’t use a network provider). You also have the flexibility to self-refer to specialists.
In California, the UHC plans use the Select Plus network; outside of California, the plans use the Choice Plus network. To see if your provider is within your network, visit UHC’s provider finder (even before you are enrolled!).
UHC PPO
With the UHC PPO, many services are not subject to the deductible (the amount you pay before the plan starts paying benefits for covered services), including preventive care, office visits and prescriptions.
Highlights
- Lower deductible and out-of-pocket maximum than the UHC HDHP
- Higher paycheck contributions than that of the UHC HDHP
- Prescription drug coverage with $0 copay for preventive generic drugs
UHC HDHP (with HSA)
With the UHC HDHP, all care, including prescriptions, is subject to the deductible and cost share—except for in-network preventive care and prescriptions used to manage certain medical conditions. Note, if you are enrolled with dependents, the entire family deductible must be met before the plan begins to pay benefits for covered services.
Highlights
- Higher deductible and out-of-pocket maximum than the PPO
- Lower paycheck contributions than the PPO
- Prescription drug coverage with $0 copay on preventive generic drugs
- Only Splunk plan paired with a tax-advantaged Health Savings Account, administered through Fidelity, to help you save on healthcare expenses (plus, Splunk contributions help fund your account!)
Find a UHC network doctor
Kaiser medical plans
If you like being part of a self-contained medical network, the Kaiser HMO plan might be the best option for you. With Kaiser, you and each of your covered dependents must choose a primary care physician (PCP) within the HMO network. The PCP coordinates all your care with providers within the HMO network.
Highlights
- Only available in California, Colorado, Hawai'i, Washington and the mid-Atlantic region (Virginia, Maryland and Washington, D.C.)
- Lowest out-of-pocket maximum of all Splunk medical options, and no deductible
- Can only use in-network providers (except for emergencies), including Kaiser pharmacies and facilities
- Care subject to referrals from your primary physician
Medical plans at a glance
Your cost per paycheck for medical coverage depends on which plan you choose.
| UHC PPO In-network | UHC HDHP (with HSA) In-network | Kaiser HMO In-network only | |
|---|---|---|---|
| Your cost per paycheck |  |  |  |
| No cost preventive care (including many preventive medications) |  | | |
| Health Savings Account |  | | |
| Annual HSA contribution by Splunk? | None | $750 employee-only coverage; $1,500 if you cover dependents (funded on a quarterly basis, starting on the date of eligibility) | None |
| Provider network | In CA: Select Plus Outside CA: Choice Plus | In CA: Select Plus Outside CA: Choice Plus | Kaiser HMO providers within your region |
| In-network annual deductible | $350 individual $700 family | $1,600 individual $3,200 family | None |
| In-network out-of-pocket maximum | $2,250 individual $4,500 family | $3,000 individual $6,000 family | CA, CO, HI and WA: $2,000 individual $4,000 family Mid-Atlantic states: $2,250 individual $4,500 family |
| Coinsurance | You pay 10% | You pay 10% | None |
| Doctor office visits | You pay $20 | You pay 10% after deductible | You pay $20 |
| Virtual office visits | You pay $20 | You pay 10% after deductible | $0 |
| Teladoc/virtual primary care visits | You pay $20 | You pay $49 | $0 |
| Specialist office visits | You pay $20 | You pay 10% after deductible | You pay $20 |
| Emergency room | You pay $100; then you pay 10% after deductible | You pay 10% after deductible | $100 per visit |
| Diagnostic X-ray/lab | You pay 10% after deductible | You pay 10% after deductible | No charge, except HI: $10 |
Please refer to the plan and policy documents for additional details on the plans, including exclusions, limitations and eligibility.